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Best Car Loans in Green Bay, WI

Aug. 15, 2019, 8:17 p.m.

Even with the Green Bay Metro, most residents need a car to get to work. Vehicles, while necessary, are a significant expense, and most drivers need a car loan to afford a reliable ride. Our partners at ConsumerAffairs researched the best car loans in Green Bay to guide your options.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. NBC 26 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
LightStream

Loans for practically anything!

#1 MOST POPULAR
LightStream
LightStream
Features
  • Deposits finds directly to your account
  • Same-day funding available
  • Visit website for service
  • Available in Green Bay
Read More
Location
Services available in
Green Bay, WI
#2
Auto Approve
Auto Approve
Features
  • Online loan calculator
  • Application approval in minutes
  • Individual loan consultants
  • Available in Green Bay
Read More
Location
Services available in
Green Bay, WI
(844) 946-7334
#3
LendingTree
LendingTree
Features
  • Compare rates from multiple lenders
  • Read lender reviews from other consumers
  • Available in Green Bay
  • Use the online auto loan calculator
Read More
Location
Services available in
Green Bay, WI
(800) 555-8733
#4
myAutoloan.com
myAutoloan.com
Features
  • Interest rate calculator available online
  • Online payment calculator
  • Available in Green Bay
  • Lenders that fit your needs
Read More
Location
Services available in
Green Bay, WI
(214) 540-3350
#5
Capital One
Capital One
Features
  • Auto loan calculators available
  • Available in Green Bay
  • Over 12,000 eligible dealers
  • Check the status of your loan online
Read More
Location
Services available in
Green Bay, WI
(877) 383-4802
Fox Communities Credit Union
Fox Communities Credit Union
Features
  • M-Th: 8:30am - 5pm
  • F: 8:30am - 6pm
  • Closed Sat and Sun
  • foxcu.org/loans/vehicle-loans/auto-loan
Location
800 Weise St.
Green Bay, WI 54302
(920) 490-2900
OneMain Financial
OneMain Financial
Features
  • M: 8:30am - 5:30pm
  • T: 8:30am - 7pm
  • W-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • onemainfinancial.com/branches/WI/Green-Bay
Location
1780 W. Mason St.
Green Bay, WI 54303
(920) 494-2555
Huntington Bank
Huntington Bank
Features
  • M-Th: 9am - 5pm
  • F: 9am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
  • huntington.com/Personal/auto-loans-overview/auto-loans
Location
1601 S. Webster Ave.
Green Bay, WI 54301
(920) 436-1601
Capital Credit Union
Capital Credit Union
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • capitalcu.com/your-life/borrow/car-loans
Location
110 N. Washington St.
Green Bay, WI 54301
(920) 494-2828
UW Credit Union
UW Credit Union
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • uwcu.org/loans/vehicle-loans
Location
2420 Nicolet Dr.
Green Bay, WI 54311
(800) 533-6773
Schneider Community Credit Union
Schneider Community Credit Union
Features
  • M-Th: 9am - 5pm
  • F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • schneiderccu.com/loans/auto-loans
Location
781 Willard Dr.
Green Bay, WI 54304
(920) 499-4711
Community First Credit Union
Community First Credit Union
Features
  • M-W: 8:30am - 5pm
  • Th-F: 8:30am - 6pm
  • Sat: 8am - 12pm
  • Closed Sun
  • communityfirstcu.org/Auto_Loan
Location
3282 Eaton Rd.
Green Bay, WI 54311
(920) 830-7200

How to get an auto loan in Green Bay

Green Bay skyline

While it’s tempting to immediately start searching for the car of your dreams, there are many advantages to setting up financing or getting pre-approved for a car loan before shopping. Consumers can go to a dealership in Green Bay without a pre-approval car loan, but there are perks to applying in advance.

Having your financing in place allows you to shop around Green Bay dealerships and find the best deal for yourself instead of relying on what the dealership offers after you’ve selected your car. Another benefit is pre-approval, which lets you know what you can afford before set your heart on a particular vehicle. Most lenders allow you to apply online quickly and easily.

Auto loans can be acquired through banks, credit unions or online lenders. Car loans in Green Bay are typically available for people at least 18 years old that meet a minimum income requirement, often $1,600 to $2,000 per month. Regular car loans don't cover certain vehicles, but most cars that are less than 10 years old and have under 125,000 miles are eligible.

Comparing car loans in Green Bay

Some variables that affect the annual percentage rate (APR) and maximum amount of your loan include:

  • Credit score and credit history: Most car loan providers prefer consumers with a credit score of 620 or higher. Some lenders will work with customers with lower scores, but expect to pay a higher APR.
  • Down payment amount: Most lenders recommend a down payment of 20 percent of the cost of the car, though you can make a smaller down payment if needed. You’ll usually receive better loan terms with a more substantial down payment.
  • Current income: This generally involves providing pay stubs or bank statements that prove steady income. Some lenders may call your employer for verification.
  • Length of repayment period: Most car loans have between 24-72 month terms. The shorter the term, the more you’ll pay each month, but the less you’ll pay overall.

Be sure to account for any additional fees when deciding your loan amount. Besides fees the car dealership may charge, you may have other costs to register your title or purchase tags. Drivers in Wisconsin are required to have insurance, and that cost should also be taken into account when you’re setting a budget.

Getting a new vehicle is exciting, but it’s a big investment. It can be difficult to determine what’s best for you. When you go in understanding what to look for in a car loan, you’ll be on the road in no time.

LightStream

LightStream

LightStream is a division of SunTrust Bank and offers a wide variety of loans. Funds are deposited quickly and can be available the same day you apply for the loan in some cases. LightStream offers to match any competitor’s qualified rate. Green Bay reviewers love how fast and easy it is to apply for a car loan online.

Auto Approve

Auto Approve

Auto Approve specializes in refinancing. The company assigns a loan consultant to guide you through every step in the process. Your first payment isn’t due for 45 days, and they have a 90-day first payment option as well. Green Bay customers appreciate the quick approvals and competitive rates, but some reviews state the customer service could be better.

LendingTree

LendingTree

LendingTree is a car loan broker with more than 20 years of experience. After filling out the application, the company will give you options for deals that fit your specific information. The company also offers an online calculator to estimate your monthly payment. Green Bay customers recommend LendingTree for the number of options it provides.

myAutoloan.com

myAutoloan.com

myAutoloan.com offers an interest rate estimator tools and payment calculators that consumers can use before they apply. After applying, consumers can get up to four loan offers within minutes. The company has been in business since 2003, and Green Bay reviews say they appreciate the ability to find the lowest rate for their loans.

Capital One

Capital One

Capital One is one of the ten largest banks in the U.S. The company pre-qualifies customers for loans without affecting their credit score, and the site lets shoppers search for available cars in their area. Green Bay customers appreciate the simple application process, but some reported indifferent customer service representatives.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.